Build your dream home with confidence
Whether you’re building from scratch, knocking down and rebuilding, or completing a major renovation, a construction loan can help turn your plans into reality. At Base Home Loans, we specialise in guiding clients through the unique lending process for construction finance — making sure your loan is structured correctly and works for every stage of the build.
What is a construction loan?
A construction loan is different from a standard home loan. Instead of receiving the full loan upfront, funds are released in progress payments as each stage of construction is completed. This ensures you only pay interest on the amount you’ve drawn down, not the entire loan.
Typical stages of a construction loan include:
Slab – laying the foundation.
Frame – structural framework of the property.
Lock-up – walls, windows, and external doors.
Fit-out – plumbing, electrical, cabinetry, and internal fixtures.
Completion – final touches and handover.
Key features of construction loans
Progress payments keep repayments lower during the build.
Ability to use equity in your land or an existing property to secure the loan.
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Interest-only during construction, switching to principal and interest when the home is complete.
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Flexibility to cover renovations, knockdown-rebuilds, or new builds.
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Why choose Base home loans for your construction loan?
Construction loans can be more complex than standard mortgages — with extra paperwork, lender requirements, and timelines to manage. That’s where our expertise makes all the difference.
We’ll take the stress out of the process so you can focus on building your dream home.
With Base Home Loans, you’ll benefit from:
All your construction Loan Frequently asked questions
building your new home dreams on solid foundations
Daniel is the founder and mortgage broker at Base Home Loans – a small team with years of experience helping clients across Perth and nationwide. Daniel has a strong track record of guiding borrowers through even the most complex lending scenarios — including construction finance.
Known for his straightforward advice and client-first approach, Daniel makes sure every client feels supported and informed throughout their journey. Whether it’s your first build or a large-scale renovation, Daniel will ensure your loan is structured correctly and works for your long-term goals.
His mission is simple: to take the stress out of borrowing so you can focus on building the home you’ve always wanted.
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